Major Rating Factors:
A current level of 9.3 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Fair asset quality (4.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.1 and a capital leverage ratio of 18.4. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.1 has resulted in Excellent (9.2) profitability.
Asset Mix:
Securities (20%), comm re (19%), consumer loans (13%), home mtgs (8%), comm loans (5%), cash (3%), other (32%)
States with Branches:
IA, IL, MN, SD
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Fulda Bancorporation Inc.
Investment Rating
--
Address
141 East Main Street
Oldham, SD 57051
Oldham, SD 57051
Phone Number
(605) 482-8293
Year Founded
1985
FDIC Number
Largest Affiliates
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